In a large pot over high heat, cook and crumble the ground beef until it is no longer pink. Rinse the beef in a strainer under warm water and return to the pot.
Reduce the heat to medium-high. Add the frozen vegetable medley and cook until mostly thawed. Stir in the onion, garlic, and sweet peppers. Cook until tender, stirring occasionally.
Toss the whole cherry tomatoes into the pot. Season with cumin, coriander, and chili powder, stirring until the tomatoes have softened and begun to release their juices.
If using, add a tiny dab of hot sauce. Stir the hot sauce into the beef along with the mild salsa. Pour in the beef broth and bring to a rolling boil.
Add the refried beans to the chili and reduce the heat to medium-low. Simmer, covered, for 45 minutes to an hour, or until the chili has thickened. Uncover and let cook for an additional 15 minutes on low heat.
Optional: Cut the tortillas into long, thin strips. Spray lightly with cooking oil, then roll into coils (optional). Preheat the oven to 375°F while the chili cooks. Place the rolled tortillas on a baking sheet greased with cooking spray and bake until crisp and golden, about 3-5 minutes.
Serve alongside tortilla chips, cheddar cheese, and sour cream. Garnish with fresh cilantro and a squeeze of lime.